Call reports 2025
IRELAND BANK — 2025
What IRELAND BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 365,539,000 | 370,131,000 | 379,223,000 | 371,201,000 |
| Total loans | 191,563,000 | 197,421,000 | 194,499,000 | 186,553,000 |
| Allowance for loan losses | 2,661,000 | 2,685,000 | 2,744,000 | 2,482,000 |
| Securities available for sale | 61,769,000 | 64,542,000 | 73,487,000 | 74,971,000 |
| Securities held to maturity | 74,543,000 | 74,126,000 | 71,210,000 | 64,242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,443,000 | 324,239,000 | 332,615,000 | 325,096,000 |
| Interest-bearing deposits | 190,733,000 | 223,041,000 | 186,359,000 | 180,804,000 |
| Noninterest-bearing deposits | 129,710,000 | 101,198,000 | 146,256,000 | 144,292,000 |
| Equity capital | 31,044,000 | 32,487,000 | 34,172,000 | 35,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,272,000 | 8,767,000 | 12,928,000 | 17,464,000 |
| Interest expense | 977,000 | 1,909,000 | 2,744,000 | 3,497,000 |
| Net interest income | 3,295,000 | 6,858,000 | 10,184,000 | 13,967,000 |
| Noninterest income | 405,000 | 888,000 | 1,377,000 | 1,837,000 |
| Noninterest expense | 2,888,000 | 5,717,000 | 8,598,000 | 11,460,000 |
| Provision for loan losses | 0 | 0 | 70,000 | 205,000 |
| Pretax income | 807,000 | 2,023,000 | 2,868,000 | 4,122,000 |
| Income tax | 220,000 | 553,000 | 784,000 | 962,000 |
| Net income | 587,000 | 1,470,000 | 2,084,000 | 3,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,506,000 | 39,189,000 | 39,603,000 | 40,269,000 |
| Total capital | 41,322,000 | 42,029,000 | 42,498,000 | 42,906,000 |
| Risk-weighted assets | 245,275,000 | 230,585,000 | 231,667,000 | 225,459,000 |